Pet Insurance Doesnt Have to Be Expensive: Top Tips to Reduce Premiums

Millions of people in the UK own a pet of some description, from the familiar dogs and cats, smaller animals such as rabbits, guinea pigs, mice and degus to more exotic pets such as snakes and lizards.

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For the most part, pet ownership is usually trouble-free. But even those who take the most precautions with their pets to ensure they are in the best of health at all times will at some point come across a problem with their pet that requires veterinary treatment. And as you know, sometimes those treatments can be rather costly!

Most, if not all pet owners, would rather avoid having to fork out for huge vet bills, and one way of doing so is by having appropriate insurance cover for your pets. But sometimes even pet insurance can be quite expensive! So just how exactly can you have an insurance policy in place for your pets without having to pay a small fortune?

Here are some top tips to help you reduce those pet insurance premiums!

Shop around

Many insurance companies are on the Internet these days, and most, if not all of them, offer you the facility to get pet insurance quotes online. Because of this, you are now empowered to get the best deal with your pampered pets all from the comfort of your home computer or mobile device such as a smartphone or tablet!

There are even some pet insurance “comparison engine” websites that you can visit which take the work out of getting prices from individual websites. Sites that offer such a facility include and

Buy your insurance online

If you have a car, then you may have noticed this strange phenomenon with car insurance too: online prices tend to be significantly cheaper than quotes you get over the phone! Insurance companies can afford to lower the price of Internet quotes as a website will incur fewer overheads than a call centre (i.e. they will have to pay office management companies rent, employees wages, and all sorts of other costs).

So if you are after a cheaper quote, it is in your interests to take advantage of the lower Internet prices!

Put your excess up

Typically when an excess (the price you pay when you make a claim) is high, your overall insurance premium is lower. When doing your online pet insurance quotes, it is best to adjust the excess amounts and see how much money you can save. Some quotes can come down considerably, whereas others may not come down much in price at all. There is no hard and fast rule for determining how much money you can save by increasing your excess; the only thing you can do is try it and see!

Make sure you tell insurance companies the truth

It might be tempting to conveniently “forget” to tell insurance companies about any existing medical conditions your pets may have, but this can come back to bite you if you have to make a claim and they find out that you weren’t totally honest with them. In extreme cases, this can cause your insurance policy to be declared void, which will result in your having to foot the bill at the vets!

Be aware of exclusions

There are some things that an insurance policy will not pay out for, such as dental treatment or pet flea treatment, so you should check what your policy does and does not cover.

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